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Stand

Risk Manager (Field)

Stand, San Francisco, California, United States, 94199

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Stand is a technology-driven insurance company transforming how homeowners assess, mitigate, and insure against climate risks. We leverage advanced modeling, proactive mitigation strategies, and science-backed assessments to provide coverage in catastrophe-exposed markets where traditional insurers hesitate.

How to apply:

Interested applicants can email Stan (stan@standinsurance.com) sharing their resume and a short blurb about their interest in the position.

The Role: As a

Risk Manager

at Stand Insurance, you will play a key role in evaluating high-value homes for underwriting, determining necessary mitigation measures, and guiding homeowners through risk reduction strategies. You will assess property vulnerabilities, apply underwriting guidelines, and provide clear, science-based recommendations to improve insurability. Additionally, you will oversee vendor performance to ensure consistency and quality in risk assessments.

This role requires a balance of technical expertise, vendor management, customer engagement, and operational execution to uphold Stand’s risk management standards. Ideal candidates have experience in property risk assessment, vendor oversight, and mitigation strategies—especially in wildfire-prone and catastrophe-exposed regions of California.

Core Responsibilities: Risk Assessment & Property Evaluation

Conduct comprehensive risk assessments for high-value homes, evaluating structural, fire, and climate-related exposures.

Assess home valuation, construction materials, and build quality to support accurate underwriting decisions.

Collect and document key data points, including property photos, computational fluid dynamics (CFD) data, construction materials, and surrounding fuels.

Identify and document hazards such as vegetation, defensible space, and vulnerabilities in the

Wildland Urban Interface (WUI) .

Utilize aerial imagery, drone footage, and scientific risk modeling to enhance property evaluations.

Apply Stand’s underwriting guidelines to determine mitigation requirements for policy eligibility.

Provide homeowners with

clear, actionable steps

to meet mitigation requirements and enhance insurability.

Ensure mitigation strategies align with

scientific risk assessment standards , including defensible space, ember resistance, and structural resilience.

Verify the completion of required mitigation measures before policy issuance, coordinating with homeowners and contractors.

Maintain up-to-date knowledge of

California-specific building codes, regulatory requirements, and best practices

for catastrophe-exposed properties.

Vendor Management & Quality Control

Oversee third-party

inspection vendors

to ensure consistency, accuracy, and compliance with Stand’s risk assessment standards.

Review vendor inspection reports to ensure alignment with underwriting requirements and mitigation expectations.

Provide

training and feedback

to vendors to enhance data collection and reporting accuracy.

Develop and implement

performance tracking metrics

to assess vendor effectiveness.

Collaborate with vendors on

process improvements

and best practices for risk evaluation.

Homeowner & Broker Engagement

Effectively communicate

risk assessment findings

to homeowners and brokers, outlining necessary mitigation actions.

Connect homeowners with

Stand’s trusted mitigation vendors and resources

for streamlined risk reduction.

Advise homeowners on

long-term property resilience

and best practices for wildfire and climate risk mitigation.

Ensure compliance documentation, including receipts and post-mitigation verification photos, is collected and validated.

Operational Execution & Process Optimization

Track and report

risk assessment results , ensuring data accuracy and efficient underwriting workflows.

Collaborate with underwriting and applied science teams to refine risk assessment criteria and decision-making processes.

Support the integration of assessment data into

underwriting and CFD models , enhancing predictive risk analysis.

Who You Are: A detail-oriented professional

with experience in

property risk assessment, underwriting, or insurance inspections .

Skilled in evaluating

wildfire, structural, and climate-related property risks , especially in

California’s catastrophe-exposed areas .

Experienced in

vendor oversight, field inspections, or risk mitigation strategies .

Strong communicator, capable of

explaining risk concepts and mitigation steps

to homeowners and brokers.

Comfortable leveraging

technology, aerial imagery, and risk modeling tools

to enhance property assessments.

Preferred Qualifications: 5+ years

of experience in property risk management, underwriting, insurance inspections, or a related field.

Knowledge of

California building codes, wildfire mitigation best practices, and regulatory requirements .

Experience working with

third-party vendors, inspectors, or mitigation contractors .

Familiarity with

drone technology, aerial imagery, and advanced risk modeling tools

is a plus.

Why Join Stand? At Stand, you’ll be part of a mission-driven team redefining how insurance intersects with climate resilience. This is a unique opportunity to build something transformative—leveraging advanced technology, underwriting expertise, and data-driven insights to create a smarter, more adaptive insurance model.

We strive to provide you with the most tailored and highest quality insurance products and customer service so you can live life knowing you have the right insurance for your assets.

548 Market St. PMB 70879, San Francisco, California 94104

Claims : +1-415-466-1448 or claims@getstand.com

Stand Protect, Inc. (d/b/a Stand Insurance Solutions) is a licensed insurance producer in California (License #6014213) and partners with an A-rated or better carrier and reinsurers.

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